Unit makes it simple to create accounts for businesses, sole proprietors, and individuals with unique routing and account numbers. Unit streamlines KYC/KYB, AML, fraud, application reviews, and other compliance and onboarding requirements. To learn more about how Accounts are created please read our End-Customer Applications Guide.
Create interest-earning FDIC insured deposit accounts for individuals and sole proprietors with features that support cards, money movement, bill pay, cash advances, ATMs, and more. Accounts can be used for different purposes including checking, savings, or tax.
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Create interest-earning FDIC insured deposit accounts controlled by multiple individuals with features that support cards, money movement, bill pay, cash advances, ATMs, and more. Accounts can be used for different purposes including checking, savings, or tax.
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Enable customers to receive interest on their account balance. You can easily implement different interest for different customers, for example one amount for “VIP” customers and another for “standard” customers, including the ability to offer more interest than the bank provides.
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Create cards for your business, individual, or joint account customers - while letting Unit manage disputes and compliance.
Create charge cards for your business and sole proprietor customers. Charge cards are cards with a credit limit that must be repaid in full every month. They are issued by Visa and can be used anywhere Visa is accepted worldwide.
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Issue physical cards with on-demand or custom designs created and shipped directly to your customers through a single API call.
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Create debit cards for your business, individual, or joint account customers. Debit cards are issued by Visa and can be used anywhere Visa is accepted worldwide.
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Issue virtual cards, which are unique cards available to use immediately.
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Receive clean and structured data for the merchant name, logo, website, location, and categories to create activity streams, reporting, analytics, and more.
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Build customized cash-back rewards using the card generated interchange. Unit provides interchange information on every transaction as well as simple controls to implement how much to distribute to each customer.
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Automatically shift money between accounts on a purchase, restrict purchases to specific institutions, or more by automatically approving, declining, or adjusting debit card transactions based on whatever criteria you create.
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Allow for more convenience and card usability by allowing customers to add their cards to Apple Wallet, Google Wallet, and Samsung Pay.
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Create a branded experience for your customers with custom card designs.
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Quickly onboard customers by allowing them to activate physical cards from within your product. Virtual cards are automatically activated.
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Avoid customer service inquiries by allowing customers freeze and unfreeze cards, report cards as stolen, and set and change the PIN on their debit cards from within your product.
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Build in the ability to receive funds, make payments, and withdraw money; with fees you can implement on these activities. Unit’s built-in ledger gives you flexibility, control, and reporting with real-time data on every transaction.
Allow customers to move funds between their accounts and any external bank account by receiving an ACH credit or originating an ACH debit.
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Increase deposits and account usage by enabling customers to redirect all or a portion of their paychecks to be deposited into their account automatically.
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Provide convenience to customers by allowing them to make deposits into their accounts at thousands of ATMs.
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Enable customers to instantly and conveniently deposit checks simply by uploading images of the front and back of the check.
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Easily create ecommerce and online payment experiences that help customers get paid by their customers directly into their accounts.
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Decrease your customer’s time-to-first-use by allowing customers to immediately fund their account using a debit card.
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All the benefits of a normal ACH transfer without the wait, transfers happen the same day.
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Create free and instant payments within your organization. Book payments can be between customers, between accounts for one customer, between your operational accounts and customer accounts, or between your operational accounts.
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Receive funds directly into your customers accounts via wire transfers (Fedwire) with just the routing and account numbers.
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Receive ACH and wire payments from across borders. Customers can access thousands of payment systems around the world for easy money retrieval.
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Allow customers to receive money immediately for incoming ACH payments that have a settlement date that is in the future, such as paychecks.
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Allow customers to move funds between their accounts and any external bank account by receiving an ACH debit or originating an ACH credit.
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All the benefits of a normal ACH transfer without the wait, transfers happen the same day.
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Allow customers to send funds directly from their accounts via wire transfers (aka Fedwire) with just the routing and account numbers.
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Create free and instant payments within your organization. Book payments can be between customers, between accounts for one customer, between your operational accounts and customer accounts, or between your operational accounts. Unit also supports batch book payments to deliver multiple payments within the ecosystem in one API call.
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Create ACH and book payments that happen on a regular schedule, that repeat forever or until you specify they stop to build better subscription, saving, rent, and other types of routine payment experiences.
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Send physical and digital checks directly from your product via an API call.
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Instantly send payments simply by specifying the recipient's card information.
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Increase customer loyalty and stickiness by allowing your customers to make payments to a network of over 20,000 billers, by providing their account number and the amount they wish to pay.
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Send ACH and wire payments across borders. Customers can allow their payments to be received at thousands of locations around the world.
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Allow customers to withdraw money easily and fee-free with access to 55,000+ ATMs across the United States.
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Provide your customers with fast and seamless access to funds they need. Build flows that allow you to automate lending and getting paid back.
Create charge cards for your business and sole proprietor customers. Charge cards are cards with a credit limit that must be repaid in full every month. They are issued by Visa and can be used anywhere Visa is accepted worldwide.
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Offer customers instant cash advances using information you have on their income and ability to repay to determine how much to provide, with the ability to set up automatic repayment. For example, give businesses a cash advance based on the recurring revenue you know they generate.
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Create new revenue streams by building a factoring product. Simplify the experience by programmatically capturing repayment when your customer gets paid. For example, give freelancers an advance on an invoice that gets paid back minus a fee on invoice payment.
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Monitor and manage all your customer accounts, cards, transactions, and activities from the Unit Dashboard.
Track, manage, and report on all of your customers' activities so your team can help your customers and see how your financial products are performing.
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Manage your customer’s accounts, freeze accounts, add authorized users, and update account information.
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Maintain the appropriate balance of collaboration and control while ensuring that your customer’s data is secure and protected with flexible user permissions for different roles.
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Enhance security of your customer’s accounts and data by ensuring that only people within your organization are able to access the Dashboard.
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Unit is here to help you succeed and scale. Our best-in-class engineering, compliance, and success teams are here to provide one-on-one support, guides, and best practices to help you launch and grow faster.
All Unit customers have a dedicated account manager and technical support from day one to ensure your success.
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Our team of compliance experts are available to you to help you launch and scale. Focus your time and money on building differentiated products and experiences your customers love.
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For applications that require additional documentation and a manual compliance review, we guarantee to review them within 2 business hours of receiving documentation.
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